Best SECURED personal loans of 2026.
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00:00 - Introduction
00:13 - What are the benefits of securing a personal loan?
00:38 - What collateral do I need to secure a personal loan?
00:58 - How much can you save securing a personal loan?
01:20 - Advice for people with Good to Excellent credit
02:34 - Advice for people with Poor or Bad credit
03:37 - National lenders that offer secured personal loans
04:49 - The top national lender offering secured personal loans
06:55 - How to get the best rate on a secured personal loan
07:23 - Where to go to check your rate
07:48 - Crucial advice when taking a secured personal loan
Best Secured Personal Loan in 2026 | Rates, Risks, and Top Lenders
If you’re struggling to get approved for an unsecured personal loan, a secured personal loan may open the door to better approval odds, larger loan amounts, or lower interest rates in 2026.
Secured loans require collateral—most commonly a vehicle title, savings account, certificate of deposit, or in some cases fixtures attached to your home. While this added security can help borrowers qualify, it also introduces real risk if the loan isn’t repaid as agreed.
In this video, I break down:
When a secured personal loan actually makes sense
The risks you need to understand before pledging collateral
Which national lenders offer secured personal loans
The lenders I believe are the strongest options in 2026
Lenders That Offer Secured Personal Loans
The following companies offer secured personal loan options, depending on your credit profile and collateral type:
Achieve
Best Egg
Mariner Finance
Navy Federal Credit Union
OneMain Financial
Oportun
PNC Bank
Prosper
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Your local credit union
Secured vs. Unsecured Loans
In most cases, I prefer unsecured loans. If something goes wrong financially, the lender can’t make the situation worse by seizing your assets.
That said, securing a loan can:
Improve approval odds
Unlock lower interest rates
Make payments affordable enough to succeed
The key is choosing the right lender and understanding the trade-offs.
Best Secured Loan Options (National Lenders)
Among national lenders, the three I like most for secured personal loans are:
Best Egg
Prosper
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If you qualify, Upgrade is where I would start. They offer:
Multiple borrower discounts
Direct creditor payoff for debt consolidation
Lower ancillary fees compared to many competitors
Start With Your Credit Union
If you already bank with a credit union, that should usually be your first stop. Just keep in mind:
Roughly half of credit unions offer secured loans
Many require cash collateral (savings or CDs)
In some cases, you need money to borrow money
If you want help comparing secured vs unsecured loans—or finding the best option for your credit profile—visit The Yukon Project, where we track lenders, rates, fees, and approval criteria across the personal loan market.
Disclaimer: This content is for educational purposes only and does not constitute financial advice. Loan terms, approval requirements, and rates vary by lender and borrower profile.
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